
Welcome to Your New Auto Loan
Congratulations on securing your auto loan with UHCU! We're thrilled to be a part of your journey to a new vehicle. This page is designed to guide you through the essential next steps, ensuring a seamless and easy experience as you set up your new loan. From managing your payments to accessing your account, we've got you covered. Let's get started!
For Non-Lease Vehicles (Loans):
- Lienholder/Insurance Loss Payee:
United Heritage Credit Union
P.O. Box 518, Carmel, IN 46082
For Leased Vehicles:
Lienholder: United Heritage Credit Union
- Insurance Loss Payee:
United Heritage Credit Union c/o Insurance Center
P.O. Box 750784, Dayton, OH 45475 - Additional Insured:
D&M Leasing c/o Insurance Center
P.O. Box 75078, Dayton, OH 45475

Online Account Access
We provide our members with convenient ways to manage their accounts anywhere, any time. Whether you’re at home or on the go, we have a solution for you. It’s safe, secure and easy. Online and Mobile Banking lets you easily view your accounts, schedule bill payments and much more. Online and Mobile Banking is there to provide access to your money 24 hours a day, 7 days a week.
Start banking online or via mobile today.

Go paperless with eStatements!
Save time, paper and money with this convenient alternative to monthly mailed statements. By signing up to receive your statements electronically, you are able to download them through your Online Banking account as soon as they're available. By receiving your statements electronically, you’re free from the burden of having to keep track of and shred paper statements. You can access all of this information online whenever you need.
If you are a new eStatement user, you need to complete the following steps:
Step 1 – Select “eStatements” under “Services” in your Online Banking navigation menu.
Step 2 – Review the Privacy Policy and select “Continue to eStatements.”

Banking made easy.
Freedom Checking Account
For members who want easy checking with no opening balance requirements or monthly fees. Access your finances 24/7 through the UHCU Mobile App, Online Banking, Phone Banking, or network of surcharge-free ATMs.
Additional Benefits Include:
- Get paid up to two days early with direct deposit
- Deposit checks anytime with the UHCU mobile app
- Schedule your payments safe and securely with free Web Billpay
- Transfer funds easily between UHCU or external bank accounts
- Protect yourself from lost, stolen or fraudulent use of your debit card with Visa's Zero Liability Policy
Current members can open additional checking accounts quickly through Online Banking.
Membership/Regular or Student Savings required. Regular Savings account required for all checking accounts. Par value of one share is $1.Programs (including, without limit, fees, rates and features) subject to change without notice. See Fee Schedule for applicable fees.